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you & us
CNP Assurances
 e lifetime
insurer
|
2011
& us

CNPASSURANCES - THE GROUP
Contents CNP ASSURANCES GROUP 2 CNP Assurances group in France and internationally 4 Key figures 5 Leveraging expertise and market intimacy OUR SOLUTIONS: BETWEEN YOU AND US, A LIFELONG PARTNERSHIP 10 A vocation underpinned by core values 12 Saving for peace of mind 14 Insuring against the unexpected OUR COMMITMENTS: BETWEEN YOU AND US, A SUSTAINABLE RELATIONSHIP 18 Commitments and community outreach 20 A results-driven approach
CNP Assurances is France’s leading personal insurer CNP Assurances designs, develops and manages savings, pension and personal risk products. For more than 150 years, it has been dedicated to helping policyholders to protect their future and that of their families at a reasonable cost. In France, its individual insurance products are mainly distributed through La Banque Postale and Caisses d’Epargne networks, as well as through the CNP Trésor in-house team of insurance advisors. In group insurance, its pension and other employee benefits products are distributed through a large number of financial institutions, mutual insurers, local authorities and companies. In international markets, CNP Assurances shares its bancassurance and personal insurance expertise with partners in 15 countries including Italy, Spain, Brazil and Argentina.

CNP Assurances – The lifetime insurer l 2011 > 1
Gilles
Benoist,
Chief Executive
O cer
This brochure is written and published every year
to enable readers to discover or learn more about
CNP Assurances.
For CNP Assurances, being an insurer means keeping
a promise. As a personal insurer, our business consists
of protecting policyholders over very long periods, by
helping them to set up solutions for individual and
group savings, pensions and personal risk coverage
(such as term creditor insurance, health insurance and
long-term care insurance), which add to the benefits
paid out under social welfare programmes.
In 2010, with growth in the life insurance market held
back by historically low interest rates, we focused on
building sales of “risk” products (particularly personal
risk and term creditor insurance) that satisfy the fun-
damental human need for protection.
CNP Assurances has a number of core strengths,
including deep roots in the public sector, the backing of
solid shareholders, robust corporate values, a unique
business model and a proven track record in develop-
ing partnerships. These strengths have been leveraged
EDITORIAL BY
GILLES BENOIST,
CHIEF EXECUTIVE
OFFICER
For CNP Assurances, being an insurer
means keeping a promise. As a personal
insurer, our business consists of protecting
policyholders over very long periods.
to support the on-going diversification of the business
base, particularly in international markets, thereby
driving sustained growth in consolidated earnings.
For example, last year saw the launch of our part-
nership with Barclays in Southern Europe and the
partnership project in France with MFPrévoyance,
which is now 65%-owned by CNP Assurances.
Alongside our commitment to fulfilling our obliga-
tions towards policyholders, we remain obsessed with
“walking the talk” in the area of corporate social and
environmental responsibility. This was illustrated in
2010 by the advances made by our Group in the areas
of diversity and gender equality, and by the commis-
sioning of our first Bilan Carbone® carbon footprint
audit. Every year, sustainable development practices
become ever more deeply embedded in our opera-
tions. This is one of the aspects of our performance of
which we are the proudest.

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CNPASSURANCES GROUP
IN FRANCE AND INTERNATIONALLY
CNP Barclays Vida
y Pensiones - Spain, Portugal, Italy
CNP Europe Life -
Ireland
Caixa Seguros -
Brazil
CNP Italia -
Italy
CNP Vida -
Spain
Compañia de Seguros
- Argentina
CNP UniCredit Vita -
Italy
CNPASSURANCES - THE GROUP

CNP Assurances – The lifetime insurer l 2011 > 3
Sino-French Life Insurance -
China
CNP Marfin Insurance -
Cyprus and Greece
Countries served from
France under the EU freedom
of services directive
SUBSIDIARIES* IN FRANCE
* Over 50%-owned and operating in areas directly
related to the insurance business
** Subsidiary: Ecureuil Vie Développement
**